Dealing with roof damage from fallen trees and other storm damage is undoubtedly stressful. Still, you need to take the proper steps to ensure you don’t have to pay for repairs out of pocket. Since some insurance companies will cover the cost of a fallen tree if it damages your roof, you need to know how to file a claim correctly to ensure coverage. Let’s discuss the steps you need to take to file an insurance claim.
What Do I Need to Know About Filing an Insurance Claim for Tree Damage?
You can file an insurance claim for tree damage if the incident is covered under your insurance policy. While some policies exclude tree damage from their coverage, many cover it under certain circumstances. For example, if a healthy, well-maintained tree falls on your roof because of a storm.
The average homeowner’s policy covers damage from falling objects. However, there are some stipulations to this type of coverage. For example, you might not be covered if your roof damage is from a hurricane or tornado. Contact your insurance company to discuss your policy if you are unsure whether you’re covered for roof damage from fallen trees. Storm damage can be complicated. Check out our blog article where we give 4 Reasons Your Roof is Deteriorating.
It’s a good idea to contact your insurance company before tree damage occurs and discuss your coverage. You can typically add a supplemental coverage option if you don’t have insurance coverage for roof damage.
What Should I Do If a Tree Falls on My Roof?
For starters, make sure everyone is safe and assess whether it’s best to evacuate your home. Next, call your insurance company to be sure your claim is processed correctly. You should contact your insurance agent directly. If you don’t have an insurance agent, have your policy number available to file and process your claim more effectively.
Take as many videos and pictures as possible to ensure you have adequate documentation. Next, explore local roofing companies to find a reputable team for your repairs or replacement. You’ll want to find a company with the right experience and a reputation for reliable, affordable service. Be sure they are licensed and insured, and ask for a portfolio of previous clients to find the right experts for your needs.
Finally, be sure to act as quickly as possible with your repairs. The longer you wait, the more likely you will experience progressive damage. Taking the proper steps immediately will help you protect your most significant investment. Your roof provides safety and security to your most valuable asset- your home.
Looking for Reliable Roofing Companies in Fayetteville? Contact Wave Roofing Today!
Your homeowner’s insurance policy should cover the cost of repairs or replacement. Still, you need to take the proper steps to ensure coverage. If you have roof damage from fallen branches or trees, you need an experienced team for your repairs. Our team at Wave Roofing is here to help you file your insurance claims and secure your property as quickly and effectively as possible. Contact us today to schedule a free consultation.
